Business and operating model
The business connects consumer financing and deposit funding. The merger completion filing also identifies the bank’s succession to card-securitization servicing and administrative roles previously held by Comenity Bank.
State-chartered industrial bank · COVERAGE INDEX
Comenity Capital Bank
Comenity Capital Bank is a Utah industrial bank and an indirect wholly owned subsidiary of Bread Financial Holdings, Inc. It was the surviving bank in the October 1, 2026 merger with affiliated Comenity Bank.
The bank is legally distinct from its parent. Its post-merger perimeter includes the former affiliate’s obligations; historical figures for either bank should not be compared with combined operations without accounting for that change.
Official company information ↗
Why the coverage matters
The linked research considers deposit relationships and consumer-finance economics. The merger makes legal-entity boundaries and reporting dates especially important when interpreting funding, receivables and operating performance.
Utah banking record
- Legal bank name
- Comenity Capital Bank
- Headquarters
- 12921 S Vista Station Blvd, Draper, UT 84020
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Chartering authority
- Utah Department of Financial Institutions
- Charter category
- Utah industrial bank
- FDIC certificate
- 57570
Headquarters reference only; customer access, lobby service and the complete Utah branch network have not been established by this record.
Sources checked October 4, 2026 Mountain Time. FDIC dataset index: 2026-10-02. Headquarters identify the bank, not its branches or a parent company’s offices.
News timeline
No news stories are currently linked to this entity.
Related permanent research
Financial company profileResearch updated Oct 4, 2026
Comenity Capital Bank: deposit relationships and consumer-finance economics →
The Utah bank’s funding role and October 1, 2026 merger connect deposit customers, consumer lending and operational consolidation, with the pre-merger balance sheet kept distinct.
Financial company profileResearch updated Oct 4, 2026
Comenity Bank: partner distribution and a planned bank consolidation →
The Delaware bank’s historical profile connects customer financing and partner relationships to its October 1, 2026 merger into Comenity Capital Bank, separating predecessor data from parent-group growth.
Policy & official records
Curated library records that name Comenity Capital Bank or connect through its linked research. The official source provides full scope and status.
No policy-library records are currently linked to this entity.